Michael Gastinger

• Analysis, consulting and business modelling • Start-Up financial advisory • Projectmanagement • Interims Management • Core competencies in the following areas - Customer identification and onboarding (KYC, KYB, merchant onboarding) - Digital signature (AES, QES) - Payment gateways, corebanking, eWallets and accounting systems - Blockchain technology, cryptocurrencies - AML4 / PSD 2 / eIDAS / ATF / compliance / risk management

• Analysis, consulting and business modelling • Licenses for financial services • Core competencies - Customer identification and onboarding - Digital signature - Issuing and acquiring services – ISO/TPP - Payment gateways, corebanking, eWallets and accounting systems - International financial clearing (SEPA, SWIFT, ACH) - AML4 / PSD 2 / eIDAS / compliance / risk management • Managed services • Conception and implementation of customized solutions, project management

• Developed business strategy and marketing concept • Developed several new product lines and implemented products (REWE, SPAR) • Managed sales and marketing • Finance and controlling • Planing and construction of a production site (inkl. QM, HACCP, etc.)

• Developed business strategy and coordinated product R&D • Prepared marketing concept and managed sales and marketing • Built up distribution structure in Austria and internationally (D-A-CH) and initiated cooperation with internal and external partners • Handled quality management, financial aids (FFG, AWS), public relations, lobbying, budgeting and staff • Implemented process management

• Projectmanagement and member of core team in different Data Key projects • Responsible for marketing UMTS/HSDPA/EDGE/Wimax • Representative in several international project teams (e.g. Vodafone) • Developed business strategy for e-mail, consumer push e-mail, MMS, chat • Developed business cases, responsible for revenues, action tracking and life-cycle management • Initiated strategic business co-operations (e.g. NOKIA, KODAK)